IDFC FIRST Bank · RuPay Select
IDFC HPCL Power+
An entry-level RuPay fuel card for HPCL users with 5% value back, HP Pay rewards, UPI support, RSA and domestic lounge access.
- Fuel
- RuPay UPI
- HPCL
- Earn 30 RP per Rs 150, about 5% value back, on HPCL fuel up to Rs 12,000 per statement plus utilities, groceries and FASTag within caps.
- Fee
- Rs 499 + GST Waiver at Rs 1.5L
- Fuel
- 5% HPCL
- Lounge
- 1/qtr after Rs 20K previous month
At a glance
IDFC HPCL Power+ highlights
- Fuel
- 5% value back on HPCL fuel up to Rs 12K/statement
- UPI
- RuPay Select card works for eligible UPI spends
- Utilities
- 5% value on groceries, utilities and FASTag within caps
- Fee
- Rs 499 + GST, waived at Rs 1.5L spends
IDFC HPCL Power+: fees & key facts
| Eligibility | Age 21 years and above, annual income above Rs 3 lakh; you can apply even if you already hold another IDFC FIRST credit card, with a shared credit limit |
|---|---|
| Network | RuPay Select |
| Joining fee | Rs 499 + GST, approximately Rs 589 after GST |
| Annual fee | Rs 499 + GST; waived on Rs 1.5 lakh yearly spend |
| Welcome benefit | Rs 500 voucher on first HPCL fuel transaction of Rs 500 or more; eligible voucher choices include Amazon Pay, BigBasket, Uber and Lifestyle |
| HPCL fuel rewards | 30 RP per Rs 150, around 5% value back, capped at Rs 12,000 HPCL fuel spend per statement |
| Utilities and groceries | 30 RP per Rs 150, around 5% value back, capped at Rs 2,000 spend per statement |
| IDFC FASTag | 30 RP per Rs 150, around 5% value back, capped at Rs 1,000 spend per statement |
| Other retail | 3 RP per Rs 150, around 0.5% value back, with no stated cap |
| No rewards | No rewards on non-HPCL fuel, insurance and EMI transactions |
| HP Pay rewards | Earn 6 Happy Coins per Rs 100, worth 1.5% cashback value, capped at 600 Happy Coins per month for Rs 10,000 monthly fuel spend |
| HP Pay note | HP Pay has a 1% surcharge, but the additional Happy Coin value can still keep returns net positive |
| UPI | RuPay card can be linked for UPI payments, including eligible HP Pay QR, grocery UPI and utility bill payments |
| Redemption value | 1 Reward Point = Rs 0.25, redeemable as statement credit or options like vouchers, flights and hotels |
| Redemption fee | Rs 99 + GST, making it more efficient to accumulate points before redeeming |
| Domestic lounge | 1 domestic lounge visit per quarter; spend Rs 20,000 in the previous calendar month to unlock lounge access for the next month |
| International lounge | Not available |
| Roadside assistance | Complimentary roadside assistance 4 times per year |
| Movie offer | 25% off up to Rs 100 on District, once per month |
| Fuel surcharge waiver | Not available |
Last verified 4 July 2026. Issuer terms and offers can change; confirm them before applying.
Who should get it
IDFC FIRST HPCL Power+ is one of the stronger entry-level fuel cards for HPCL users, especially if monthly HPCL fuel spends sit around Rs 8,000 to Rs 12,000.
The card combines 5% value back on HPCL fuel within caps, HP Pay Happy Coins, RuPay UPI support, grocery/utility/FASTag rewards, roadside assistance and domestic lounge access at a low Rs 499 + GST fee.
The biggest caveat is the missing fuel surcharge waiver. The surcharge reduces returns by about 1% plus GST, so the card works best when you also use HP Pay and stay inside the reward caps.
IDFC HPCL Power+ FAQs
Is IDFC HPCL Power+ good for fuel spends?
Yes, especially for HPCL users spending around Rs 8,000 to Rs 12,000 per month. The card gives 5% value back on HPCL fuel within caps, plus extra HP Pay rewards.
What is the annual fee of IDFC HPCL Power+?
The joining and annual fee is Rs 499 plus GST. The annual fee is waived at Rs 1.5 lakh yearly spend.
Does IDFC HPCL Power+ work on UPI?
Yes. It is issued on the RuPay Select network, so it can be linked for eligible UPI transactions.
Does IDFC HPCL Power+ offer a fuel surcharge waiver?
No. The card does not offer a fuel surcharge waiver, so fuel returns reduce by about 1% plus GST.
What lounge access does IDFC HPCL Power+ include?
It includes 1 domestic lounge visit per quarter. You need to spend Rs 20,000 in the previous calendar month to unlock lounge access for the next month.
How can reward points be redeemed?
1 Reward Point is worth Rs 0.25. Points can be redeemed as statement credit or for options such as vouchers, flights and hotels, with a Rs 99 + GST redemption fee.
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